New PPO Dental Plans More Competitive Against HMOs

LOS ANGELES, June 11, 2025 /PRNewswire/ -- DentalInsurance.com, the leader in dental insurance comparison shopping, has broadened its inventory of PPO dental plans offering high maximum benefits. A maximum benefit is the annual cap on insurance company spending toward a consumer's covered dental care. PPO plans have a maximum benefit limit while HMO dental insurance doesn't. PPOs, however, have much wider dentist networks than most competing HMO plans. This helps consumers receive quality dental care from a trusted preferred dentist. By adding high maximum benefits, a new generation of PPO dental plans have become an even more attractive option for consumers.

Traditionally PPO plans have maximum benefits around $2,000 annually. If the cost of covered dental care exceeds that amount, it is the responsibility of the enrollee to pay. With this new generation of PPO plans, maximum benefit increases range from 25 percent to 400 percent higher ($2,500 to $10,000 in total).

"High maximum benefit PPO plans have become an essential part of our business," commented DentalInsurance.com President Avery Smith. "Many consumers aren't satisfied with the wider dentist network of a PPO unless the coverage comes with solid protection against high out-of-pocket costs."

DentalInsurance.com offers a variety of high maximum dental plans from top brands such as MetLife (NYSE: MET), Cigna Cigna (NYSE: CI), Humana Humana (NYSE: HUM), Guardian, and Delta Dental:

• NCD Complete by MetLife ($10,000 maximum benefit)
• Humana Extend 5000 ($5,000 maximum benefit)
• NCD Elite 5000 by MetLife ($5,000 maximum benefit)
• Delta Dental Immediate Coverage Plan ($3,000 maximum benefit)
• Guardian Advantage Premier ($3,000 maximum benefit)
• Cigna Dental Vision Hearing 3500 ($2,500 maximum benefit on dental work with separate limits on additional hearing and vision benefits)
• Delta Dental Dental for Everyone Platinum ($2,500 maximum benefit)
• Anthem BlueCross Essential Choice Incentive ($2,500 maximum benefit)

Consumers shopping for high maximums should always read insurance conditions to see if a maximum excludes any service or is lower on a particular category of care (e.g. braces). For more detailed on dental plans with high maximum benefits, see Dental Plans with the Best Maximum Benefits.

Launched in 2001 by Mark Kelsey, DentalInsurance.com is the pioneer of the online dental insurance marketplaces. DentalInsurance.com is headquartered in Los Angeles, California, and boasts an A+ rating from the Better Business Bureau and a 4.8 stars out of 5 on TrustPilot.

SOURCE DentalInsurance.com